Worldcare Travel Insurance

Worldcare

For a locally-owned travel insurance company backed up by global insurers, look no further than Worldcare travel insurance. Offering a range of policies for all Australians, Worldcare have got you covered no matter what your next trip entails. Read on for some of the key policy features, important details and possible exclusions of Worldcare travel insurance policies.

About Worldcare

Operating in Australia for over 20 years, Worldcare is a locally-owned travel insurance company with policies underwritten by Allianz, one of the world’s largest insurers. Based in Brisbane, Worldcare has a staff of 550, including doctors, translators and logistical experts, all ready to help you 24 hours a day. Worldcare won Mozo’s 2014 Expert’s Choice silver medal for Best Value Comprehensive Cover and bronze medal for Best Value Basic Cover.

Rates and fees verified as correct at 19 December, 2018. Other information correct at the time of writing.

Worldcare travel insurance policies

Worldcare offers travel insurance policy options including Comprehensive, Budget or Frequent Traveller cover. There are also options to remove excess or opt for extra cover for specific items and you can choose from a single, duo or family policy type.

Worldcare also offers Australia-only policies for all your domestic travel needs, but here at Mozo, we only compare international travel insurance.Take a look at our handy table below for a rundown of the policies available with Worldcare travel insurance:

Activities covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Features and fine print to look out for in Worldcare travel insurance policies

Pre-existing medical conditions:

Most travel insurance policies will require you to disclose any pre-existing medical conditions, some of which will be covered automatically and without any extra charge. Worldcare travel insurance covers 43 such conditions, provided that you have not been hospitalised for them within the past 24 months.

Fine print: Some other restrictions do apply to some of the conditions, for example, type 2 diabetes is covered, but only as long as you were diagnosed over 12 months ago, have no eye, kidney or nerve complications, and do not also suffer from cardiovascular disease. You can apply for cover of any pre-existing condition not automatically covered, but a higher premium will apply.

Travelling while pregnant:

If your pregnancy is a single, uncomplicated pregnancy Worldcare travel insurance will cover you up to the 26th week, with your pregnancy considered an automatically covered, pre-existing condition. If you’re having twins, or if your pregnancy is the result of assisted fertilisation, you’ll be able to get cover, up to the 19th week for the former or the 26th for the latter, but an extra premium will apply.

Fine print: If you’ve experienced complications in your pregnancy, or if you’re having a multiple pregnancy by assisted fertilisation, you won’t be covered under Worldcare travel insurance policies. There is also no cover for antenatal care, childbirth or newborn care under any Worldcare policy.

Age limits:

Comprehensive Worldcare travel insurance policies are available to travellers 85 years and younger, while Basic or Frequent Traveller policies are available only to those 71 and under.

Fine print: If you’re 86 years or over, you unfortunately won’t be covered by any Worldcare travel insurance policy. For some pre-existing medical conditions, age also affects whether or not you will be covered, and whether or not you will need to pay a higher premium.

Extending your Worldcare travel insurance:

It’s usually not good news if you have to extend your trip because your flight is delayed, or something else has gone wrong, but the upside is that if this happens, your Worldcare travel insurance cover will be extended free of charge.

Fine print: If you’re extending for any other reason - maybe you’re having too much fun to stop now - you will have to apply for an extension before the date that your original policy expires (7 days before if applying by post) and pay an extra premium. Sometimes pre-existing medical conditions that aren’t automatically covered may not be covered by an extension, so make sure to check with Worldcare if this is something that applies to you.

Travelling with dependents:

Travelling with family can be a lot of fun - or it can be very stressful when things go wrong. Worldcare is making it that much easier by covering dependant children under 21 for free on your travel insurance policy. A single policy will cover you and the dependants travelling with you, or a family policy will cover you and the members of your family travelling with you, including dependants.

Fine print: To be considered dependant, someone needs to be:

your child or grandchild

under the age of 21

travelling with you for the whole journey

Under some benefits of your policy, dependants will have a different limit for claims.

Cooling off period:

If for some reason you decide you don’t want your Worldcare travel insurance policy anymore, you have a cooling off period of 14 days, during which you can cancel your cover for a full refund of your premium.

Fine print: You aren’t entitled to a refund if

you have already started your trip

you have made a claim against your policy

you are planning to make a claim against your policy

it is after the 14 day period. You can still cancel your cover in this case, but you won’t be given a refund.

Important details for making a successful travel insurance claim with Worldcare travel insurance

The process of making a claim with Worldcare travel insurance can be made much easier and more successful by keeping in mind a few key details. These are general exclusions and rules that you need to follow when making a claim and by knowing them before you leave, you can make it easier for yourself when you return home. So, keep in mind that:

You’ll need proof of ownership and value if you’re claiming loss, theft or damage to any of your belongings. Usually, this means receipts for the item in question. If you don’t have receipts, sometimes photos are enough, but check with Worldcare beforehand if you’re carrying any valuable items.

If something is stolen, damaged or even just lost, remember to make a police report within 24 hrs, so you have an official written record.

Sometimes delays happen. If you or your baggage are delayed for a significant amount of time, remember to get an official statement from whoever is responsible, so that you can claim for the delay.

While you’re waiting for the trouble to be resolved (maybe they had to clear a runway for your plane, or maybe your bag ended up in London while you wound up in Dubai) if you need to buy anything you wouldn’t have otherwise, like food and drinks or basic essentials (your toothbrush isn’t doing a lot of good in London) you should keep the receipts, as you’ll be able to claim these costs.

If you are paid compensation by whoever is responsible for your delay, loss or cancellation, you can’t claim that amount on your Worldcare travel insurance policy. If, however, you are only paid partial compensation, Worldcare will pay the difference, up to the limit of your cover.

Making a claim with Worldcare travel insurance

There are three ways to start the claims process with Worldcare:

Call them. You can call Worldcare and speak to one of their claims consultants, who can walk you through the process

Submit a claim online. The easiest way to submit a claim on your Worldcare travel insurance is online through their website.

Worldcare can email you a claims form, which you fill out and then send in via post.

When you fill in your claims form, remember to have all the relevant details and documents on hand to make the process quick and easy. These could include:

your personal and bank details

the details of your travel insurance

receipts, police reports, or medical reports that support your claim

You should submit your claim no later than 30 days after your return to Australia.

Worldcare customer reviews

The Mozo community has rated Worldcare travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Worldcare travel insurance review

Good value.

Worldcare travel insurance review

Overall rating 0 / 10

Worldcare - no care, cannot be trusted.

Worldcare Travel Insurance through Allianz cannot be relied upon as they ignore your emails after policy purchase. My priority was to have a travel insurance policy I could rely on and I found their service non existent. My son suffered a seizure...

Worldcare Travel Insurance through Allianz cannot be relied upon as they ignore your emails after policy purchase. My priority was to have a travel insurance policy I could rely on and I found their service non existent. My son suffered a seizure on a flight. Our first day was spent in a hospital with a doctor's report recommending our son have plenty of rest and less light in the return flight. So I phoned the Worldcare emergency number to be answered by an IVR system, not a person. I then emailed their claims email address in order to get 2 fares changed to better seats for my son and at least one parent. Their response so far: not even an acknowledgement of the email. So, if you want support from your insurance provider, look to another provider. It's also disappointing that their procedures allowed us to fall through the cracks and that management don't appear to have been informed or that the issue hasn't been escalated.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Worldcare travel insurance policies with other Australian Insurers

Not so fast! There’s nothing to lose and everything to gain from taking the time to look over all the travel insurance options available to you. After all, travel insurance is one of the most valuable things you’ll pack for your next trip.

So, here at Mozo we’ve done the hard yards and developed our handy travel insurance comparison tool, so that you can have easy access to a comparison of travel insurance policies that might suit you. All we need from you are a few details, like your destination, travel companions and when you’re leaving.

And before you go, check out our best $20 I’ve ever spent series for some quick tips on how money savvy travellers like to spend an affordable afternoon abroad. We’ve also got a heap of great travel insurance tips, plus articles, news and more over at our travel hub, so be sure to check that out as well!

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